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Zero down payment zero monthly installment payment automobile purchase method based on Internet of things

A technology of the Internet of Things and car buyers, applied in payment schemes/models, credit plans, marketing, etc., can solve problems such as unsatisfactory development of traditional auto finance business, second-lender companies cheating cars and loans, and difficult car valuations, etc., to achieve Alleviate inventory pressure, sluggish working capital, low threshold for car purchase, and reduce the effect of car loan leverage

Inactive Publication Date: 2018-04-13
广东龙源电子商务科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the procedures for applying for a car loan at the bank are also the most cumbersome. Of course, the speed of payment is self-evident, and some additional fees may be added at the same time.
Due to the stubborn one-time payment consumption habit of Chinese consumers in recent years, the business development of traditional auto finance in my country is not ideal
At the same time, the industry is still facing difficulties in car valuation, heavy offline models, second-lending companies defrauding cars and loans, and capital costs.

Method used

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  • Zero down payment zero monthly installment payment automobile purchase method based on Internet of things
  • Zero down payment zero monthly installment payment automobile purchase method based on Internet of things

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] The specific steps for car buyers to participate in the zero down payment service are as follows:

[0044] 1. The customer submits a personal credit report, a personal credit information form for the past six months, and pays the service data fee to the car purchase service platform for credit review. If the review fails, part of the service data fee will be refunded. If the review is passed, go to step 2;

[0045] 2. The car purchase service platform conducts a preliminary review, issues a credit review result based on the qualifications of the car buyer, generates a car purchase plan suitable for the car buyer, and signs a service agreement with the car buyer.

[0046] Among them, the service agreement stipulates the amount of performance bond paid by the sharing object; determines the type of car purchased by the car buyer; the type of car includes the brand, model, color, and configuration of the car; the loan plan formulated by the bank or financial institution; tas...

Embodiment 2

[0059] In this embodiment, the specific steps for the car buyer to participate in the zero down payment service and the method for the car purchase service platform to obtain commissions are the same as those in Embodiment 1, and will not be repeated here. The difference lies in the specific method for the car buyer to enjoy the zero monthly payment service as a sharing object:

[0060] The car purchase service platform monitors the completion progress and time limit of the task content in the service agreement signed with the sharing object who has enjoyed the zero down payment service.

[0061] It should be noted that the monitoring period is one month. After the sharing object successfully shares the service link of zero down payment and zero monthly payment with the sharing object in the current month and completes the car purchase, the corresponding commission will be obtained, which can be used to offset the loan repayment amount of the current month. The calculation meth...

Embodiment 3

[0064] The present invention is based on the car purchase method of zero down payment and zero monthly payment based on the Internet of Things, builds a chain car supermarket on the basis of the car purchase service platform, uses big data to lock consumer groups, covers products related to the automobile industry, and can achieve car sales and after-sales Multi-party integration of service market, auto financial resources, and auto dealer resources.

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Abstract

The invention discloses a zero down payment zero monthly installment payment automobile purchase method based on the Internet of things. After zero down payment automobile purchase, a purchaser is locked and converted into a sharing object, zero down payment business is shared in the same way, and zero monthly installment payment is realized after task completion. The method is advantaged in thatdeposited automobile purchase user big data can be accurately distributed to automobile manufacturers, banks or financial mechanisms, various insurance companies and automobile-related industries, profit sharing is carried out through a commission standard protocol, market integration is realized through innovative modes, automobile purchase data is locked through big data, and clients are distributed to car dealers, the financial companies, the insurance companies and the automobile manufacturers; the big data is utilized to integrate car-related products, client transform is carried out, andsecondary values are realized through secondary consumption and automobile-related products; the method is applicable to sales of complete automobiles, sales of new energy automobiles and widespreadpromotion of the entire automobile-related industry market.

Description

technical field [0001] The invention relates to the technical field of automobile sales, in particular to a method for purchasing a car with zero down payment and zero monthly payment based on the Internet of Things. Background technique [0002] Auto finance is the combination of the auto industry and finance, and is an important field of the financial industry. However, auto consumption in China has not used financial leverage on a large scale. At present, my country's auto market is growing rapidly. The stock market of hundreds of millions and the new market of tens of millions provide fertile ground for the development of auto finance. [0003] The entire auto finance market is developing rapidly, the market is explosively huge, and the market space is infinitely imaginable. The entire auto finance industry is in a golden age. The current business model includes traditional one-off car purchases, car purchases with downpayment bank mortgages, car purchases with zero dow...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/24G06Q30/02G06Q40/02
CPCG06Q20/24G06Q30/0208G06Q30/0214G06Q40/03
Inventor 雷建胜
Owner 广东龙源电子商务科技有限公司
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